Stop paying credit cards. Give yourself a bailout!!

mitsubishi · Mar 27, 2009

Quote from jueco2005:

Excellent........would you mind writing something about the issue of credit cards??? Some people here are very hard workers and have a huge degree of morality.

I am in agreement with you on this one.It is simple.The cc company are attempting to take advantage of you and because they are seen as 'legit' this is seen as acceptable.No, it is not.If these were some loansharks on a street corner nobody would side with them.This is hypocrisy in action,business as usual.And as long as people put up with it,this and other abuses will continue.In these exceptional times i believe that ,like you , others will declare that enough is enough.We pay for EVERYTHING. It all belongs to us you cannot escape tax if you smoke drink fill your car etc. Government should work for us,and business should treat us fair if they want our money.
Human beings are worse than sheep- not only do they follow the leader,do what they are told,and think and moralise how they are told,they will actually do the policing on behalf of the state which routinely assfucks them.Hence why you are being called a loser by the 'police' (who,btw are morally perfect themselves no doubt)

jueco2005 · Mar 27, 2009

Thank you...........you really know how to debate............make your point without offending anyone.

Good Luck

Quote from mitsubishi:

I am in agreement with you on this one.It is simple.The cc company are attempting to take advantage of you and because they are seen as 'legit' this is seen as acceptable.No, it is not.If these were some loansharks on a street corner nobody would side with them.This is hypocrisy in action,business as usual.And as long as people put up with it,this and other abuses will continue.In these exceptional times i believe that ,like you , others will declare that enough is enough.We pay for EVERYTHING. It all belongs to us you cannot escape tax if you smoke drink fill your car etc. Government should work for us,and business should treat us fair if they want our money.
Human beings are worse than sheep- not only do they follow the leader,do what they are told,and think and moralise how they are told,they will actually do the policing on behalf of the state which routinely assfucks them.Hence why you are being called a loser by the 'police' (who,btw are morally perfect themselves no doubt)

Trader666 · Mar 27, 2009

I'd think his points sound great to deadbeats, freeloaders and those who see themselves as victims.

Quote from jueco2005:

Thank you...........you really know how to debate............make your point without offending anyone.

jueco2005 · Mar 27, 2009

Are there any victims in your world view??

Quote from Trader666:

I'd think his points sound great to deadbeats, freeloaders and those who see themselves as victims.

Fractals 'R Us · Mar 27, 2009

Quote from Trader666:

I'd think his points sound great to deadbeats, freeloaders and those who see themselves as victims.

C'mon, you are continuing the debate because you want us with experience to reveal all our little secrets... admit it, you're chickenshit to default just once to find out what it's about... and you are itching to know what it feels like to get away with a pile of cash.... hee hee...

Sixties, seventies, eighties, there was more than one occasion where I sat around with some buds with piles of cash on the floor... it's fun, you should do it at least once or you never lived imo...

I just took a two and a half year vacation courtesy of the credit cards, the bailout unemployment extensions... and in another year and a half, assuming the crack head bill collectors can't find me... my credit is good again !!

I can't say that I see myself as a victim here... nope... freeloader, hardly, I never got a job interview this whole time until yesterday... regarding the deadbeat idea... hee hee, you get out of work, you can't pay.. I don't see why I have to think negatively of myself because I got out of work....

I'm still waiting for somebody to name something I can't do without a credit card.... or with bad credit... I got a job interview yesterday, surely they could have checked my credit for $20 before wasting two man hours of their valuable engineering time interviewing me... believe me, those guys are very much in need of my high level, experienced engineering skills, I could sense that they are overwhelmed and don't have the time for training anybody, they need my skills yesterday... I had them trying to convince me to come out of semi-retirement by the end of the afternoon.... LOL, going to wind up homeless here if I don't pay the meth addicted guys with the phones.... and gee, there's trading... I have had the luxury of two years of free time to develop systems... I'm way up the learning curve on that... can start that up almost any time I feel like it and go into court and tell the judge that's my sole income and the collectors might get some of the income stream but they'll never freeze the account... you need a lesson in sticking up for yourself...

I told one of the collectors about a year ago that I might be out of work but I was not out of money and time and if I had to track the son of a bitch down and level the playing field I would love doing it.... ya know what? He shut the f#$k up right then and there... I screamed and yelled at another one how I wasn't a borrower any more because I put the money on the street.. I can get as nuts on the phone as any collector, I don''t even need the meth... got nootropics??

sjfan · Mar 27, 2009

Quote from Fractals 'R Us:

I just took a two and a half year vacation courtesy of the credit cards, the bailout unemployment extensions... and in another year and a half, assuming the crack head bill collectors can't find me... my credit is good again !!

I can't say that I see myself as a victim here... nope... freeloader,

I was about to scream at this guy for being a complete low life worthless asshole... until I read the second paragraph....

Now I kind of feel sorry for him. His entire way of life depends on slipping through the cracks of other people's inefficiencies... not too different from an arb trader, no? Except, of course, he can't really make it big. The best he can do is to get by with a lower middle class/upper lower class existence.

Found his niche - too bad it's not a big one. (and yes, finding a 10k of free money every 5-10 years is a small small niche in the scheme of things).

thedewar · Mar 27, 2009

Just wait for inflation to spiral out of control with the new money printing and all of a sudden a 12k credit card debt turns into half that or less with the future value. Kinda depends on what timeframe you inflation will spiral out of control, but it might be a good investment idea.

Mr J · Mar 27, 2009

Quote from NKNY:

As a matter of fact cc companies are a predatory bunch.

Then don't get a credit card, or at least keep expenses well within means. Falling behind is just financially irresponsible, and the person has no-one to blame but themselves.

gnome · Mar 27, 2009

Quote from Mr J:

Then don't get a credit card, or at least keep expenses well within means. Falling behind is just financially irresponsible, and the person has no-one to blame but themselves.

CORRECTAMUNDO! The CC companies don't hold a gun to people's head and force them to charge.

The CC companies are no more responsible than is McDonalds for America's obesity.

Fractals 'R Us · Mar 27, 2009

Quote from sjfan:

I was about to scream at this guy for being a complete low life worthless asshole... until I read the second paragraph....

Now I kind of feel sorry for him. His entire way of life depends on slipping through the cracks of other people's inefficiencies... not too different from an arb trader, no? Except, of course, he can't really make it big. The best he can do is to get by with a lower middle class/upper lower class existence.

Found his niche - too bad it's not a big one. (and yes, finding a 10k of free money every 5-10 years is a small small niche in the scheme of things).

You're way the hell off there. I'm looking up and down this street I live on, house paid for, half mil values, go a mile west and it's a mil and a half, great shopping and library in walking distance [you great intellectuals and moralists that infest ET should walk more probably]... my other house is rented, positive equity, neutral cash flow... no bills, at all, no car payments, no credit card payments, nada...

So bug off with the nasty name calling and your shitty opinion, it's worth about what I pay for it, at best... I'm suggesting that people do their own due diligence and not follow urban legend regarding credit, banks, etc....

Wifey was having a hell of an awful time about three years back with a Credit Union. She had a POA and they still would not put her name on her dad's accounts. She was really stressing, he had a brain tumor, was senile, etc.. and he really needed somebody to manage his stuff... this asshole at the CU could barely speak english, would not talk with us personally and would not put my wife's name on the account. The attorneys could not believe it.. I could not believe it either so I started googling and by complete serendipity I came across some blog that some guys had set up and they were planning to take down a credit union... I watched for a few days, didn't try to stop them because of the irrational shit that was going on with wifey... I needed to balance that out with some entertainment, dang, she was losing sleep and everything... so these hackers could not get past the firewall.. but they sprinkled thumb drives where the employees took their smoke breaks and sure enough, one of the thumb drives made it inside the place and got plugged in to a computer... the hackers shut down the blog and vanished like Kaiser Souse... I still get a big laugh out of that when I get hassled by a bank... My debit card got shut down a few weekends ago, the stupid Credit Union did not inform me at all... I was going through my unassigned list and buying a lot stuff online and they flagged the activity... I wrote to the president of the shithole, told him how there is not much intelligent life inside the place and told him the hacker story.. haven't heard a thing back, not expecting to... his opinion is worth about what I pay for it too....

Edit: So anyhow... can anybody tell me some things that I cannot do without a credit card? Or with bad credit, and don't tell me about the job /rental thingy, there is always a way, you just have to use your head....

I'm out shopping for a computer, this is way back in the day... Radio Shack had a model that they could not sell to save their lives... they offered credit on the thing and get this, in the contract it said that all you had to do was to report the thing stolen and the credit was paid off!! They approved the credit contract without even getting on the telephone !! This was the Model 4, for computer buffs of the pre-IBM PC era... it was funny really, they had this model and they never sold the first thousand units, they must have had a warehouse full of them. There was a magazine with tens of thousands in subscriptions dedicated to the machine... there was an entire cottage after-market for the machine... but Radio Shack didn't announce unit sales in those days... the credit upshot was that anybody could buy one, establish credit and once you have one credit account, the rest rush in to get you to sign up... I'm telling you guys, there is always a way...

Credit can get easier if a company is in trouble, I recall in the seventies that Shell oil was in big dutch, unions were striking them, they were in danger of getting shut down world wide it seemed, so I applied for a card and got it... I don't even think I was working at the time...